Goldwater Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 3.23%. On net interest margin, Goldwater Bank, N.A. is 3rd from the bottom among 12 Arizona banks, 3.23% (Q2 2026). Goldwater Bank, N.A. reported 3.23% on net interest margin for Q2 2026, 0.72 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 5.79% |
| Yield on securities | 4.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.76% |
| Cost of interest-bearing deposits | 3.65% |
| Cost of interest-bearing liabilities | 3.68% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 1.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $2.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.60% | 2.35% | 3.53% | 5.65% | 4.80% |
| Q4 2023 | 5.84% | 2.58% | 3.68% | 5.88% | 4.83% |
| Q1 2024 | 5.89% | 2.76% | 3.55% | 5.94% | 4.83% |
| Q2 2024 | 5.69% | 2.26% | 3.76% | 5.71% | 4.77% |
| Q3 2024 | 5.92% | 2.69% | 3.63% | 6.01% | 4.83% |
| Q4 2024 | 6.10% | 2.85% | 3.67% | 6.19% | 4.80% |
| Q1 2025 | 6.06% | 2.84% | 3.59% | 6.23% | 4.80% |
| Q2 2025 | 6.21% | 2.81% | 3.82% | 6.39% | 5.01% |
| Q3 2025 | 5.97% | 2.79% | 3.63% | 6.10% | 5.21% |
| Q4 2025 | 5.95% | 2.90% | 3.51% | 6.21% | 4.60% |
| Q1 2026 | 5.82% | 2.86% | 3.35% | 5.96% | 4.77% |
| Q2 2026 | 5.63% | 2.76% | 3.23% | 5.79% | 4.89% |
Goldwater Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Goldwater Bank, N.A., freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Goldwater Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58405) · FFIEC NIC profile (RSSD 3592047)